North Platte Homeowners Insurance

Your Complete Guide to North Platte, NE Homeowners Insurance

North Platte is the county seat of Nebraska’s Lincoln County. Approximately 24,000 people live in this railroad town. Here you will find Bailey Yard, the world’s largest rail yard, as well as the house where the famous Buffalo Bill Cody once lived. If you are a homeowner in this small Midwestern city, you can protect your investment by purchasing a reliable home insurance policy. When you are shopping for affordable insurance coverage for your house in North Platte, an independent insurance agent can help. Find an agent near you to start comparing quotes.

Cost of Homeowners Insurance in Nebraska

  • National yearly premium average: $1,173
  • Nebraska yearly premium average: $1,369
  • 11th most expensive premium in the US

The rates listed above are just averages, but they can give you an idea of what home insurance may cost you. Your actual costs may be significantly higher or lower depending on a number of factors such as the age, size, and value of your home, the crime rate in the ZIP code where your house is located, and the amount of your deductible. Additionally, insurers frequently offer better rates if you bundle your coverage with other policies like car insurance or business insurance. Find an agent to learn more.

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Burglary Rate in Nebraska

The burglary rate in Nebraska is lower than the national rate; but in North Platte, it is significantly higher. Residents of this small city report approximately 150 burglaries every year.

  • Number of burglaries per 1,000 homes in the US: 4.69
  • Number of burglaries per 1,000 homes in Nebraska: 3.38
  • Number of burglaries per 1,000 homes In North Platte: 5.89

You can take steps to lower your risk of burglary. Keeping doors and windows securely locked, ensuring that entryways are well-lit and unobstructed, and using motion-sensitive lighting can help to deter would-be burglars. Installing burglar alarms is also effective and can even earn you a discount on your policy. If your North Platte home is burglarized, you may take some comfort in knowing that your homeowners insurance can compensate you for your losses. Your local independent agent can assist you throughout the claims process.

Catastrophic Events in Nebraska

Catastrophic weather events are not unheard of in North Platte. Severe weather can cause expensive damage to area homes.

  • Number of declared disasters in Nebraska: 60
  • Average number of tornadoes per year in Nebraska: 54.6
  • Average amount of property damage per year in NE: $698,557,000
  • 1 in 15 insured homes has a claim each year.

Fortunately, home insurance protects North Platte property owners by covering most weather-related damage. In some cases, coverage requires special endorsements. Your local independent agent will be aware of the risks you face and can help you review your property coverage limits so you can be sure that they are high enough. Some residents of North Platte are also at risk for flood damage. While this sort of damage is not covered by homeowners insurance, your agent can help supplement your home insurance policy with flood insurance through the National Flood Insurance Program (NFIP).

North Platte Homeowners Need Liability Coverage

In addition to covering the structure and contents of your North Platte house, your home insurance policy can provide you with liability coverage. This is particularly important because, without this coverage, a liability lawsuit could cost you your home. Your homeowners liability coverage can protect you from lawsuits related to injuries sustained on your property, damage or injuries caused by your children or pets, charges of libel and slander, and a host of other potential problems. It is designed to cover legal defense fees, court costs, and damages. Your independent agent can explain more.

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Second Home and Vacation Home Insurance

Some residents of North Platte own more than one home. If you are among them, you will need to be sure that all of your properties are suitably covered. A house that does not serve as your primary residence will have additional risks to take into consideration. Your vacation home may be located in an area that is prone to flooding or other severe weather events. Also, if it is left unoccupied for several months of the year, it is more likely to sustain damage. 

Likewise, if you own a house that you rent out to tenants, you will have higher liability risks and will need to cover it with a landlord insurance policy. A local independent insurance agent can explain the coverage needs associated with your additional property, and can help you find the best and most affordable policy to meet your coverage needs.

Why Work with an Independent Insurance Agent?

Independent insurance agents make comparison shopping easy. These agents can work with a number of different insurance companies to make sure that you are getting the best price for your home insurance coverage. 

Save yourself time and money. Find an agent in or near North Platte to get started.

Sources © 2020, Consumer Agent Portal, LLC. All rights reserved.

http://www.naic.org/prod_serv/AUT-PB-14.pdf
https://www.census.gov/quickfacts/
http://www.city-data.com

© 2020, Consumer Agent Portal, LLC. All rights reserved.

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